I've been with Amex for 10+ years. Their credit cards are still the most rewarding ones in the UK. However, unlike in the US, every single card they offer in the UK has foreign transaction fees, which means I have to use my other credit cards to avoid the fees when travelling abroad. Over the years, I've been asking Amex to reconsider this approach every time I complete their survey. But no change so far, hence the missing star.